The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 23, 2025
Filed:
Oct. 11, 2022
United Services Automobile Association (Usaa), San Antonio, TX (US);
Sumita T. Jonak, San Antonio, TX (US);
Pooja Krishnaswamy, Cedar Park, TX (US);
Christopher Russell, San Antonio, TX (US);
Gabriel Carlos Fernandez, San Antonio, TX (US);
Joel S. Hartshorn, Olalla, WA (US);
Thomas Wayne Schwarz, Jr., Helotes, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
The disclosure describes techniques to protect personal information stored on an electronic card with which an owner of the electronic card may be authorized to perform a transaction. For example, a point-of-sale (POS) device may receive protected data generated by an electronic card where the protected data may be used by a personal information server to identify the owner of the electronic card. The POS devices sends the protected data and transaction information to an authorization server that sends the protected data to a personal information server. The owner's personal information can be obtained or derived from the protected data by the personal information server and the personal information is sent to the authorization server. The authorization server can determine whether a transaction is authorized or unauthorized based on the transaction information obtained from the POS device and the personal information obtained from the personal information server.